[Form 4] WINTRUST FINANCIAL CORP Insider Trading Activity

Rhea-AI Filing Summary

Wintrust Financial Corp (WTFC) director Karin Gustafson Teglia reported a Form 4 showing she acquired 459 shares of Wintrust common stock on 09/30/2025 at a reported price of $123.98 per share. Following the transaction she beneficially owns 18,057 shares directly. The filing states these shares were earned for third-quarter 2025 director services under the company's Director's Deferred Fee and Stock Plan approved by shareholders. The Form 4 was signed by an attorney-in-fact on behalf of the reporting person.

Insights

Corporate Governance Expert

TL;DR: Routine, non-material director compensation recorded as stock issuance aligns director pay with shareholder interests.

The Form 4 documents a standard issuance of shares to a director under an approved deferred fee and stock plan. The transaction reflects compensation rather than open-market trading and increases the director's direct ownership by 459 shares to 18,057 shares. For governance review, this is routine disclosure demonstrating plan operation and compliance with Section 16 reporting requirements. There is no indication of sales, option exercises, or derivative activity in this filing.

Securities Compliance Analyst

TL;DR: Filing is complete and timely in form; records a single indemnified acquisition tied to director compensation.

The Form 4 specifies transaction code A (acquisition) with detailed price and post-transaction ownership, and includes the explanatory remark that shares were earned for quarterly director services under the shareholder-approved plan. The signature is an attorney-in-fact on 09/30/2025. From a compliance perspective, the disclosure meets Section 16 filing content standards and does not present material red flags such as undisclosed derivative positions or ambiguous ownership forms.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

1. Name and Address of Reporting Person^*

TEGLIA KARIN GUSTAFSON

(Last) (First) (Middle)

9700 WEST HIGGINS ROAD, 8TH FLOOR

(Street)

ROSEMONT IL 60018

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
WINTRUST FINANCIAL CORP [ WTFC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
09/30/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/30/2025		A		459(1)	A	$123.98	18,057	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Shares earned for the third quarter of 2025 for services as a Director of the Company in accordance with the Director's Deferred Fee and Stock Plan approved by the Shareholders.

Remarks:

	/s/Kathleen M. Boege, Attorney-in-fact	09/30/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did Karin Gustafson Teglia report on the WTFC Form 4?

She reported an acquisition of 459 shares of Wintrust common stock on 09/30/2025 at a price of $123.98, bringing her direct beneficial ownership to 18,057 shares.

Why were the 459 shares issued to the director according to the filing?

The filing states the shares were earned for third-quarter 2025 director services under the company's Director's Deferred Fee and Stock Plan approved by shareholders.

Does the Form 4 show any option exercises or derivative transactions for WTFC?

No. Table II (derivative securities) contains no entries; the filing records only a non-derivative acquisition of common stock.

Who signed the Form 4 and when?

The Form 4 was signed by Kathleen M. Boege, Attorney-in-fact on 09/30/2025 on behalf of the reporting person.

What transaction code was used on the Form 4 for this acquisition?

Transaction code A (acquisition) is listed for the 09/30/2025 transaction.